How Much Is Car Insurance In Florida Per Month?

Car insurance is one of the most important purchases you make when you buy a new or used car. It's important to know the basics of how much car insurance in Florida costs per month and what kind of coverage you need. Many people are surprised to learn that the cost of car insurance in Florida is higher than in other states, but there are a few things you can do to help keep your premiums down. Read on to learn more about the average cost of car insurance in Florida per month and how you can save.

Average Cost of Car Insurance in Florida Per Month

The average cost of car insurance in Florida is typically higher than other states due to the high number of accidents and claims in the Sunshine State. The average car insurance rate for a six-month policy in Florida is $818, which is about $136 more than the national average. However, certain factors like your age, driving record, and type of car can all have an impact on your car insurance premiums. Drivers in Florida with a clean driving record can expect to pay about $666 per month for car insurance.

Types of Car Insurance in Florida

There are four types of car insurance coverage in Florida: liability, personal injury protection, collision, and comprehensive. Liability insurance covers the cost of damage and injuries you cause to another party in an accident, while personal injury protection pays for medical expenses and lost wages for you and your passengers. Collision coverage pays for damage to your car as a result of an accident, and comprehensive coverage pays for damage to your car that’s not related to an accident, like theft and vandalism. You’ll need to purchase all four types of coverage in order to be legally insured in Florida.

Discounts on Car Insurance in Florida

There are several discounts available on car insurance in Florida that can help you save money on your premiums. Multi-car discounts are available if you insure more than one car on the same policy. You can also get a discount for having safety features like anti-lock brakes or airbags. If you’re a good driver, you may be able to get a safe driver discount, and some insurance companies even offer discounts for military personnel and students. Be sure to ask your insurance agent about any discounts you may qualify for.

Find the Best Car Insurance in Florida

Finding the best car insurance in Florida is important, as it can help you save money and get the coverage you need. Comparing quotes from multiple insurers is the best way to find the lowest rates and the coverage that’s right for you. Be sure to get quotes from at least three different providers and look for discounts that you may qualify for. By shopping around, you can find the best car insurance in Florida that meets your needs and fits your budget.

Final Word

Car insurance in Florida can be expensive, but there are ways to save money on your premiums. Shopping around and taking advantage of discounts can help you find the best car insurance in Florida that fits your budget. Knowing the average cost of car insurance in Florida per month and what coverage you need can help you make an informed decision when it comes to buying car insurance.